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Last updated: May 6, 2024

Infinity Insurance Review 2024

High-risk auto insurance for California drivers

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Infinity specializes in non-standard auto insurance for high-risk drivers, such as those with violations, speeding tickets, a lapsed auto insurance policy, an SR-22 form or other situations that can make it difficult to find an insurance carrier.

As of 2018, Infinity is a subsidiary of Kemper Auto, one of the nation’s largest specialized insurers. Post-acquisition, most auto insurance policies migrated under the Kemper brand except in California, where more than half of Infinity’s business took place — it currently operates under the Infinity name exclusively in California. Infinity’s average rates tend to be higher than the national average, which makes sense given that high-risk policies cost more than those for drivers with clean records.

Other factors beyond your driving record that may determine if you need non-standard auto insurance include your age and credit history. Infinity’s specialized offerings and strong financial backing from its parent company, Kemper, make it a viable option for high-risk drivers who need auto insurance in California.

I’m a senior editor and analyst at Although I’m a State Farm customer (check out my full State Farm review), I’ll walk you through the main features of Infinity auto insurance based on our aggregated data and industry research to help you determine if it could work for you.

In addition to Infinity, we’ve reviewed dozens of auto insurance providers, including the best insurance for high-risk drivers.

Quick Look: Infinity Pros & Cons


  • Caters to high-risk drivers with prior violations

  • Has Spanish-language support and website

  • Strong financial security ratings backed by Kemper


  • Only available in CA

  • Rates are more expensive on average

  • Lack of add-on coverage options

Who Is Infinity Auto Insurance Best For?

Infinity is ideal for high-risk drivers who are finding it challenging to find coverage from other insurers.

Infinity Is Best for Those Who:

  • Have violations on their driving record or need non-standard auto insurance
  • Live in California
  • Speak Spanish and are looking for customer support in Spanish

Infinity Is Not Best for Those Who:

  • Have a clean driving record and could get better rates and customer service elsewhere
  • Need many add-on coverages
  • Live outside California

How Much Does Infinity Car Insurance Cost?

The average cost of Infinity car insurance is $2,215 per year for a full coverage policy, according to our aggregated data. This is $291 higher than the national average. For minimum coverage, Infinity’s average cost is $623, or $76 more than the national average.

Since Infinity provides auto insurance for high-risk drivers — for example, those with an SR-22 on file — it’s reasonable to expect that its rates will be higher than average. The rates you’re quoted may differ, but they will be higher than if you had a clean driving record.


An SR-22 certificate proves that a driver carries the state minimum required insurance limits. Infinity will file an SR-22 form on behalf of its customers for a fee.

You can see how Infinity’s average premium compares to other insurers in the table below:

Company Average annual premium for full coverage Average annual premium for minimum coverage
Allstate $2,639 $597
American Family $1,785 $713
Farmers $2,320 $634
GEICO $1,572 $413
The General $3,069 $1,606
Good2Go $2,448 $695
Infinity $2,215 $623
Nationwide $1,805 $613
Progressive $1,891 $481
State Farm $1,697 $482
Travelers $1,630 $530
USAA $1,322 $356
National average $1,924 $623

How You Can Save on Your Policy With Infinity

Infinity offers basic discounts to help you lower your premium, but you won’t find as many options as other companies. For example, there’s no telematics discount for tracking your driving habits, which is pretty common among most insurers. That said, there are still ways to save with Foremost.

Highlighted Discount: Mature Driver Improvement Course Discount

Infinity offers California drivers what is essentially a driver’s education discount, which means you can save money on your premium if you take an approved defensive driving course. You must meet the age requirement, as this discount is meant to incentivize mature drivers to refresh their basic driving skills and learn about potential new traffic laws or new vehicle technologies.

The age requirement is not specified on Infinity’s website, so you’ll need to contact your agent to learn more about the precise eligibility criteria, but it’s not available to younger drivers. With other insurers, I’ve typically seen this discount offered to drivers aged 50 or 55 and older. To find approved courses, you can contact your local DMV, the AARP, or ask your agent about other options.

Other Discounts

Infinity also offers the following discounts to California drivers:

  • Good student discount: If you have a teen or young adult on your policy, and they’re a full-time high school or college student with a B average (3.0 GPA) or higher, you may qualify for a discount on your family car insurance policy.
  • Renewal Discount: Every time you renew your auto policy with Infinity, you’ll automatically receive a discount. The discount may increase the longer you stay with the company, but it doesn’t change based on your coverage amount — you will still qualify even if you have a liability-only policy.

Finally, auto insurance is more expensive in California for a number of reasons, including the greater likelihood of natural disasters and higher cost of living overall. It’s worth shopping around with at least three different providers to find the lowest prices.

Infinity Quote and Purchase Process

You’ll need to call Infinity (1-800-INFINITY) to speak to an agent and get a quote. The website mentions that you can also get a quote online, but I could not find a link to do so.

You’ll need information about the drivers you’re looking to add to your policy (including yourself), their names, birthdates and driver license numbers. You should have your vehicle details available — including the year, make, and model or the VIN number — as well as information about your prior insurer.

When I click ‘Get a Quote’, I’m brought to the following page:

Infinity Quote

What Types of Auto Insurance Coverage Does Infinity Offer?

Infinity provides the standard types of insurance coverage: liability coverage, collision and comprehensive coverage, personal injury protection and uninsured motorist coverage.

Infinity offers fewer add-on coverage options than other insurers. It used to have a free roadside assistance program, but links to the program now redirect to the home page, so it looks to have been discontinued.

Infinity offers at least the following two coverages — it may also offer GAP insurance and certain other coverage options, but it doesn’t provide much information on its website, so it’s best to call an agent to confirm.

Coverage What it covers
Special equipment coverage If you add custom parts to your vehicle, such as rims or stereo systems, this coverage can help pay to repair or replace them if they are stolen or damaged.
Rental Car Reimbursement This coverage pays for a rental car up to the daily limit if your car is in the shop and unusable due to a covered claim.

You can customize coverages and coverage amounts as long as you meet the minimum limits required in California.


Even though liability-only policies are available, I recommend opting for full coverage, especially if you have a history of accidents, so you can be more financially protected in case of damage to your vehicle.

Infinity: Customer Satisfaction

Customer satisfaction is a weak point for Infinity — it has a complaint score of 12.56 from the NAIC Customer Complaint Index, which rates how frequently customers file complaints about insurance companies. This score is quite high and means that Infinity receives more than 12 times as many complaints as would be expected for similar companies.

It has an A- rating from AM Best, meaning it is financially stable and can be counted on to pay out claims, but I think it’s worth noting that it was downgraded from a score of A in 2022, and many competitors have higher ratings.

Category Foremost score
NAIC Customer Complaint Index1 12.56 – more complaints than average
AM Best Financial Strength Rating2 A- (Excellent)

Filing a Claim With Infinity

To file a claim with Infinity, you must call the company to speak with an agent. The claims section of its website is currently down, so don’t hesitate to call if you have any questions about how to go about submitting a claim. It’s possible that online filing will be available in the near future, but for now, calling is the only option.

Infinity Claims Page

In general, I think calling to file a claim is wise because a representative can answer questions and guide you through the process, hopefully making the process less stressful.

Claim processing times depend on the complexity of the claim. They may be resolved as quickly as a few days or may take several months. If you have any questions or concerns about a pending claim, be sure to contact an agent.

Infinity's Website and Mobile App

Infinity has a very basic website that looks a bit outdated and is not particularly user-friendly. It does not have an online portal for customers to manage their accounts, and it does not appear to have a mobile app.

Infinity Home Page

I looked into the Kemper Auto Insurance mobile app, and the listing in the App Store notes that California customers can use the “Infinity, A Kemper Company” app, but the app no longer exists. Infinity customers may be able to use Kemper’s main app, but it may not be very helpful either way since it has a 1.4 rating on the App Store and a 2.1 rating on the Google Play Store.

Frequently Asked Questions

How much does Infinity car insurance decrease when you turn 25?

How much Infinity car insurance decreases when you turn 25 depends on your driving record, coverage choices, vehicle type, location and how much you drive. In general, you can expect your insurance rates to go down by around 5 to 10 percent when you turn 25.

How do I add a car to Infinity insurance?

To add a car to your Infinity insurance policy, call the company at 1-800-INFINITY to speak to an agent.

How long does a claim for a wrecked car take with Infinity insurance?

A claim for a wrecked car can take anywhere from two to six weeks, with an average of four weeks before you’ll receive a settlement check.

Methodology – How We Review Insurance Companies

We assess companies on the following:

  1. Pricing and coverage: We look at the coverage offered in relation to competitiveness, discounts and affordability.
  2. Customer experience: We use our firsthand experience as auto insurance customers ourselves to provide insights into the shopping process and ease of engagement with a provider.
  3. Claims handling: An insurance company’s key role is claim fulfillment, so our evaluation involves analyzing claims processes using third-party data, customer feedback and our own experience.
  4. Industry ratings and reviews: We use data from independent agencies to evaluate factors such as financial strength, complaint records and customer satisfaction.
  5. Digital tools and technology: We access digital tools ourselves and consult customer reviews to assess the ease of use of websites, mobile apps and online account management features.


  1. How to File a Complaint and Research Complaints Against Insurance Carriers. National Association of Insurance Commissioners. (2022, Sep 1).

  2. Search for a Rating. AM Best. (2024).